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Hastin Tri Utami
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Wealth: Journal of Islamic Banking and Finance
Published by Universitas Islam Negeri Profesor Kiai Haji Saifuddin Zuhri Purwokerto
ISSN : 29630126     EISSN : 29649641     DOI : https://doi.org/10.24090/wealth
Core Subject : Economy,
Economics, Econometrics & Finance
Asset management, Fund Management and Asset Pricing; Banking (Efficiency, Regulation, Risk Management, Solvency); Behavioural Finance; Capital Structure; Corporate Finance and Corporate Governance; Derivative Pricing and Hedging; Distribution Forecasting with Financial Applications; Entrepreneurial Finance; Empirical Finance; Financial Economics and General Equilibrium Models; Financial Markets (Alternative, Bonds, Currency, Commodity, Derivatives, Equity, Energy, Real Estate); FinTech and Micro Finance; Capital Market.
Arjuna Subject : Bisnis, Menejemen, dan Akutansi (semua kategori) - Bisnis, Menejemen, dan Akutansi (Lain-Lain)
Articles 5 Documents
 1 
Search results for , issue "Vol. 2 No. 1 (2023)" : 5 Documents clear
Branchless Banking: Service Innovation Through Additive Models and Transformational Models at Bank Syariah Indonesia Kharis Fadlullah Hana; Bagus Sirot Mustaqim
Wealth: Journal of Islamic Banking and Finance Vol. 2 No. 1 (2023)
Publisher : Faculty of Islamic Economics and Business, UIN Prof. K. H. Saifuddin Zuhri Purwokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24090/wealth.v2i1.7694

Abstract

The presence of digital banks currently provides new challenges for conventional banks. Bank operations are required to adapt to technological developments. If the customer cannot follow it, the bank will be abandoned by the customer. The purpose of this study is to explore the innovations made by Indonesian Sharia Banks in dealing with digital bank attacks. Digital services through Additive models and transformational models have been carried out, but the results are not optimal. This study uses interview data sourced from managers and frontliners of Indonesian Sharia Banks. This research approach uses a qualitative method with a case study strategy. The results of this study indicate that in optimizing branchless banking, Indonesian Sharia Banks provides account opening services through mobile banking. Another finding is that Indonesian Islamic Banks use the Gardening Strategy. The recommendation from this research is to improve branchless banking services through BSI Smart.
The Influence of Religiosity and Rational Motivation on Interest in Saving at BMT UGT Nusantara Reza Rohma Dania; Ach Faqih Supandi; Ahmad Zubadul Afiq
Wealth: Journal of Islamic Banking and Finance Vol. 2 No. 1 (2023)
Publisher : Faculty of Islamic Economics and Business, UIN Prof. K. H. Saifuddin Zuhri Purwokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24090/wealth.v2i1.7921

Abstract

This study aims to analyze the effect of religiosity and rational motivation on the interest in saving at BMT UGT Nusantara capem Kaliwates. This study uses quantitative research with data collection techniques through observation, questionnaires, documentation. Data collection uses statistical data analysis research instruments with the aim of testing the hypotheses that have been set. The population in this study were customers of BMT UGT Nusantara Capem Kaliwates. The sampling technique used is probability sampling, which is a sampling technique that provides equal opportunities for all members of the population to be selected as samples. Then this sampling technique was combined with the cluster random sampling technique, which is a technique for selecting a sample from small groups of units with a total sample taken of 96 customers at BMT UGT Nusantara Capem Kaliwates. In processing the data the researcher used the SPSS 25.0 program. Researchers use multiple linear regression analysis. Based on the results of the research and the results of data analysis and discussion of the results of the data, it was concluded that religiosity has a significant effect on the intention to save at BMT UGT Nusantara Capem Kaliwates with a tcount of 6.823 > ttable of 1.986 with a sig value of 0.001 <0.05. Rational motivation has a significant effect on the Interest in Saving at BMT UGT Nusantara capem Kaliwates with a tcount of 5.067 > ttable of 1.986 with a sig value of 0.001 <0.05. Meanwhile, based on the results of the Anova test or F test, it is known that the significant value for the influence of Religiosity and Rational Motivation simultaneously on the Intention to Save the community at BMT UGT Nusantara capem Kaliwates is 0.001 <0.05 and fcount value is 147.531 > ftable 3.094, thus these results give the meaning that the variable Religiosity (X1) and Rational Motivation (X2) simultaneously have a significant effect on the Interest in Saving (Y). H1 is accepted and H0 is rejected.
Determining Factors Analysis of Traders in Taking Financing at KSPPS BMT Ben Sejahtera KCU Kroya Azka Nur Diana; Ani Retno Sulistiowati; Ma&#039;ruf Hidayat
Wealth: Journal of Islamic Banking and Finance Vol. 2 No. 1 (2023)
Publisher : Faculty of Islamic Economics and Business, UIN Prof. K. H. Saifuddin Zuhri Purwokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24090/wealth.v2i1.8018

Abstract

KSPPS BMT Ben Sejahtera KCU Kroya is the main branch office which is in the same location as the KSPPS BMT Ben Sejahtera Kroya head office, so when compared to other branch offices, of course BMT Ben Sejahtera Kroya has more complete services. However, in practice there are not a few problems encountered, namely the trader's decision to use financing products which results in the number of members of the financing realization experiencing instability every month. This study aims to determine whether cultural factors, social factors, personal factors and psychological factors influence traders' decisions in making financing at KSPPS BMT Ben Sejahtera KCU Kroya. This research uses quantitative methods. The population is traders who take financing from KSPPS BMT Ben Sejahtera KCU Kroya in 2021. The number of samples used is 60 respondents. The sampling technique uses Nonprobability Sampling by Purposive Sampling. The results showed that the variables of cultural factors and social factors partially had no effect on traders' decisions in making financing at KSPPS BMT Ben Sejahtera KCU Kroya. Meanwhile, personal factor variables partially have a negative effect on traders' decisions in making financing at KSPPS BMT Ben Sejahtera KCU Kroya. psychological factor variables partially influence traders' decisions in making financing at KSPPS BMT Ben Sejahtera KCU Kroya. Variable cultural factors, social factors, personal factors and psychological factors simultaneously influence traders' decisions in making financing at KSPPS BMT Ben Sejahtera KCU Kroya. Keywords: Cultural Factors, Social Factors, Personal Factors, Psychological Factors.
Financial Performance of Islamic Banks in Indonesia: Islamic Performance Indeks Approach Aliyatun Marzukoh; Dhidhin Noer Ady Rahmanto; Syaiful Muhamad Irsyad
Wealth: Journal of Islamic Banking and Finance Vol. 2 No. 1 (2023)
Publisher : Faculty of Islamic Economics and Business, UIN Prof. K. H. Saifuddin Zuhri Purwokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24090/wealth.v2i1.8105

Abstract

The purpose of this study was to determine the effect of the Islamicity Performance Index and Intellectual Capital on the profitability of Islamic Commercial Banks in Indonesia. The sample of this study was 7 Sharia Commercial Banks registered at Bank Indonesia and included in the Commercial Bank Business Activities (BUKU) II in 2018. This study used a multiple linear regression analysis method using Microsoft Excel 2007 and SPSS 20 software. Based on the result of testing, partial result of hypothesis showed that the variable Intellectual Capital (IC) has a positive signifivant effect on profitability of Comercial Sharia Bank in Indonesia, variable Equitable Distribution Ratio (EDR), Directors Employes Welfare Ratio (DEWR) has a positive not significant effect on profitability). Meanwhile the variable Profit Sharing Ratio (PSR) and Zakat Performance Ratio (ZPR) has a negative significant effect on profitability, and Islamic Income Ratio (IsIR) has a negative not significant effect on profitability of Comercial Sharia Bank in Indonesia. Simultaneous result of hypothesis showed that the all variable independent have positive effect on profitability, and variable dominan was Intellectual capital (IC).
The Role of Digital Villages in Tourism-Based Community Economic Empowerment Efforts in Sidomulyo Village, Silo District, Jember Regency Sugianto Sugianto
Wealth: Journal of Islamic Banking and Finance Vol. 2 No. 1 (2023)
Publisher : Faculty of Islamic Economics and Business, UIN Prof. K. H. Saifuddin Zuhri Purwokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24090/wealth.v2i1.9454

Abstract

This study aims to explain the role of digital villages in efforts to empower the community's economy in Sidomulyo Village, Silo District, Jember Regency, as well as explain BUMDes' efforts for tourism-based community economic empowerment in Sidomulyo Village, Silo District, Jember Regency. The method used is a qualitative approach to the type of descriptive research. In determining the informants researchers used a purposive technique . While data collection techniques using observation, interviews, and documentation. The results of this study are the role of digital villages in efforts to empower the economy through a process including creating a village information system (SID) by creating the MallDesa application. BUMDes' efforts to empower tourism-based community economies in Sidomulyo village, Silo sub-district, Jember district in realizing an empowerment in the Raja Raja Domba tourism are using several stages including capital assistance, infrastructure assistance, mentoring assistance, and marketing assistance.

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